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My husband and I rotate opening credit cards every few months — on purpose. We focus on cards that earn transferable points like Amex Membership Rewards, Chase Ultimate Rewards, Citi ThankYou Points, and Venture Miles. We also refer each other for the cards to earn extra bonuses (we don’t add each other as authorized users). No, it doesn’t ruin our credit. No, we’re not rich. And yes… I know it feels a little blasphemous — Target is literally my home away from home. But this is way sweeter than
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